Pet insurance for furry family members
We treat our pets like family, so we want them to get quality medical care when they are sick or injured. Trupanion® helps provide cats and dogs coverage and protection.
Get a pet insurance quote with Trupanion
Why choose Trupanion?
Come one, come all
Trupanion wants to help every breed of dog live a great life, with coverage for playful pups and shaggy seniors alike.
No payout limits
Enjoy unlimited payouts on covered cost. Your coverage won’t be dropped no matter how many claims you file.
Rated #1 by vets
Trupanion medical insurance is your pet’s BFF according to veterinarians surveyed across the country1.
Watch a short video and see how Trupanion pet insurance helps protect your four-legged family members.
Our pets’ medical issues can be challenging and expensive. That’s why State Farm offers Trupanion medical insurance for all dog and cat breeds.
Like Sam, whose medical care could have cost his human thousands.
And Abby, who got the care she needed, when her love for adventure took a costly turn.
Then there’s Jagger, whose humans were able to focus on his lifelong treatment, and not his lifelong vet bills.
Don’t wait until your pet’s next vet visit.
Talk to your State Farm agent about Trupanion pet medical insurance today.
Shop for pet insurance
Take care of your bow-wows and meows with high-quality pet medical insurance
For dog lovers
From Hounds and Huskies to Poodles and puppies, Trupanion’s got coverage for your beloved canine.
For cat people
Be it Shorthairs, Ragdolls, Persians or a Tuxedo, keep your feline feeling fine from kittens to senior cats.
Is pet insurance worth it?
Don’t end up in the doghouse (financially) when the unexpected occurs.
Things like diagnostic tests, imaging, and hospitalization can be more costly than you imagine. The average cost of surgical care for a dog is about $458, and for cats it’s about $2012. That could take a bite out of your wallet.
With the right pet medical insurance, you can focus on the health of your paw-son when they need veterinary care.
How does pet insurance work?
Trupanion strives to provide you and your furry family members with the most extensive coverage available from any pet insurance company.
Pet coverage includes:
Comprehensive pet medical insurance coverage
Covers new or unexpected accidents, hereditary and congenital conditions and other illnesses.
Quick and easy claims
Vets with Trupanion’s direct pay software can submit your claim directly to Trupanion from their office. If you submit your own claim, Trupanion’s claim team processes about 60% of claims in just 24 hours.
Accepted by all veterinarians
Your pet insurance can be used at all licensed veterinary clinics and offices nationwide.
One simple plan
Your pet gets great coverage, with a single, high-quality and no-nonsense coverage plan3.
Put a leash on your pet’s medical bills.
Talk to an agent today about medical insurance.
Cats and dogs coverage explained
From everyday illnesses and injuries to emergency care, hospitalization and more, your pet can get great veterinary care with one simple plan. Pre-existing conditions are excluded, of course. Dig into the policy details to learn more.
If allergies, cancer, heart disease, or other serious illnesses strike your pet, you can be in a position to provide them the best possible care.
Broken bones or bite wounds can result from accidents. Your pet depends on you to help them heal such hurts.
Whether hereditary or congenital, Trupanion can help with such conditions as elbow and hip dysplasia, cherry eye, thyroid disease and other chronic issues.
Diagnostic tests, surgeries, hospital stays, or even holistic therapy as long as it’s prescribed by a licensed vet for the treatment of a covered condition are some of the medical situations covered.
Medications, prescriptions, veterinary supplements, herbal therapy and even prosthetic devices and carts are included in a Trupanion pet insurance plan.
Common questions about pet insurance
Trupanion covers eligible veterinary care expenses based on your policy for your pet. You’re responsible for any non-eligible expenses. Eligible veterinary care expenses include new and unexpected illnesses and injuries, hereditary and congenital conditions, diagnostic tests, surgeries, hospital stays, medications and more.
Trupanion doesn’t cover non-eligible veterinary expenses or your portion of expenses for the veterinary care based on your specific policy.
Non-eligible expenses include:
A pre-existing condition is any illness, condition, or injury for which signs or evidence of their potential manifestation existed prior to your pet's coverage effective date. A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to your pet’s coverage effective date.
No. Your coverage will not be reduced if you take your pet in for emergency care or see a specialist. You'll be reimbursed a certain percentage based on your specific policy for all covered claims. If you are referred to a specialist or visit an emergency hospital, you will still see reimbursement for a percentage of all eligible costs. The veterinary exam fee is your responsibility, so if you are charged a specialist fee or emergency fee, this is regarded as the same.
State Farm agents cannot file or process a claim for you. Here are your options for filing a claim:
- Direct payments. If your vet has Trupanion’s direct pay software, the vet may file the claim on your behalf.
- Call a Trupanion specialist. You may also file a claim by calling 855-518-1410 to speak with a claims specialist for assistance.
- Use the Trupanion mobile app. Download the app from the App Store or Google Play.
- File a claim online. Use Trupanion’s website at https://members.trupanion.com.
Get a pet insurance quote with Trupanion
Let Trupanion help prepare you and your pet for the unexpected.
Contact a local State Farm agent
Not sure about what you might need or how pet insurance works, reach out to an agent near you.
Want to know more about pets?
Pets get sick just like people. And sometimes more care is needed than expected. They may need hospitalization, testing and surgery. Getting your best friend the care they need shouldn’t deplete your savings or require dipping into new lines of credit.
Make sure you know the law and protect those in your vehicle. Just like infants and toddlers need special care and safety seats, some states require your furry friends to be restrained.
Raise your hand if your dog or cat follows you into the bathroom, “helps” you cook and fold laundry or nibbles on houseplants. Some of these behaviors can be endearing — but some veer into dangerous territory. With a little bit of preparation, you can help keep them safe from pet hazards, even when you can’t be there.
You’re not always home to shoo them from danger. Or you have to pay attention to traffic. Explore these pet-friendly fixes so you won’t have to worry about what your pet might be getting into.
1 Top Veterinary Products form dvm360 https://www.dvm360.com/pet-products-guide/other/pet-insurance.
2 North American Pet Insurance Association (NAPHIA) https://naphia.org/news/na-pet-health-insurance-market-more-than-doubles-in-four-years/
Pet insurance products are underwritten in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Terms and conditions apply, see full policy on Trupanion's website for details.
State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness or quality of the products and services of the third parties.